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SBI Card credit cards: 27 you can apply for

The best one for most people is KrisFlyer SBI Card APEX.

₹25,900a year after fees, at ₹75,000 a month

KrisFlyer SBI Card APEX credit card

KrisFlyer SBI Card APEX

₹25,900 a year, after fees

₹9,999 fee · Lounges in India and abroad · Reward rate 3.3%–5.5%

Keep

It pays back the most of the 27 SBI Card cards open to apply that we can value.

Rank all 27 at your own spend in the card finder

Verified 11 sources

Points and where they go

SBI Card's main points currency is SBI Travel Credits, worth ₹1.00 a point: 24 airline and hotel programmes take them. Its cards earn 15 kinds of points in all.

What SBI Card cards earn
ProgrammeWorth a pointCardsPartners
SBI Travel Credits₹1.00324
AURUM Reward Points₹0.2514
SBI Reward Points₹0.2554none
Singapore Airlines KrisFlyerevery way to earn them ₹1.102none
IRCTC Reward Points₹1.002none
PhonePe SBI Card Reward Points₹1.002none
Tata NeuCoins₹1.002none
IndiGo BluChipevery way to earn them ₹0.502none

3 more cards pay cash back. Values are what we think a point is worth in India.

Every SBI Card transfer partner 33 routes
Singapore Airlines KrisFlyer: where they transfer
Transfer toRatioOne point becomesTime
Virgin Australia VelocitySingapore Airlines KrisFlyer is itself a programme: a move between programmes 31:20₹0.65instant in most cases, up to 24 hours
Shangri-La CircleSingapore Airlines KrisFlyer is itself a programme: a move between programmes 12:1₹0.53not published
ALL - Accor Live LimitlessSingapore Airlines KrisFlyer is itself a programme: a move between programmes 9:2₹0.48instant (06:00–23:59 SGT daily window)
Marriott BonvoySingapore Airlines KrisFlyer is itself a programme: a move between programmes 4:3₹0.38in most cases up to eight weeks

Ratios read Singapore Airlines KrisFlyer : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

SBI Travel Credits: where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club1:1₹1.00up to 21 days
The British Airways Club (Avios)1:1₹1.00up to 21 days
Air Canada Aeroplan1:1₹1.00up to 21 days
Cathay Pacific Asia Miles1:1₹1.00up to 21 days
Qantas Frequent Flyer1:1₹1.00up to 21 days
Thai Royal Orchid Plus1:1₹1.00up to 21 days
AirAsia Rewards1:1₹0.23up to 21 days
SpiceJet SpiceClub1:1₹0.50up to 21 days
Vietnam Airlines Lotusmiles1:1₹1.00up to 21 days
Emirates Skywards2:1₹0.45up to 21 days
Turkish Airlines Miles&Smiles2:1₹0.50up to 21 days
United MileagePlus2:1₹0.50up to 21 days
Japan Airlines Mileage Bank2:1₹0.55up to 21 days
Saudia Alfursan2:1₹0.50up to 21 days
Ethiopian ShebaMiles2:1₹0.50up to 21 days
AirRewards (Air Arabia)2:1₹0.47up to 21 days
IHG One Rewards1:1₹0.55up to 21 days
Wyndham Rewards1:1₹0.65up to 21 days
Radisson Rewards1:1₹0.22up to 21 days
Orchid Rewards1:1₹1.00up to 21 days
ALL - Accor Live Limitless2:1₹1.07up to 21 days
Club ITC2:1₹0.503–5 working days (ITC official)
Jumeirah One2:1₹0.50up to 21 days
Shangri-La Circle6:1₹1.06up to 21 days

Ratios read SBI Travel Credits : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

IndiGo BluChip: where they transfer
Transfer toRatioOne point becomesTime
ALL - Accor Live LimitlessIndiGo BluChip is itself a programme: a move between programmes 6:1₹0.36not published

Ratios read IndiGo BluChip : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

AURUM Reward Points: where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club5:1₹0.20not published
Club ITC5:1₹0.20up to 5 working days
The British Airways Club (Avios)5:1₹0.20not published
AirAsia Rewards4:1₹0.06not published

Ratios read AURUM Reward Points : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 23 SBI Card changes since 1998

All 121 SBI Card cards

Fees run ₹0 to ₹9,999, and 10 of them are genuinely free for life; 2 charge nothing a year but a joining fee to get in. We cannot value 41 of them: SBI Card publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 43 keep, 20 downgrade, 58 cancel.

Open to apply 27

  1. KrisFlyer SBI Card APEX credit card

    KrisFlyer SBI Card APEX

    ₹25,900 a year, after fees

    ₹9,999 fee · Lounges in India and abroad · Reward rate 3.3%–5.5%

    Keep

  2. Tata Neu Infinity SBI Card

    Tata Neu Infinity SBI Card

    ₹12,700 a year, after fees

    ₹1,499 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1.5%–10%

    Ranked higher: its bonus category adds ₹6,300 a year

    Keep

  3. CASHBACK SBI Card

    CASHBACK SBI Card

    ₹7,600 a year, after fees

    ₹999 fee · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹10,800 a year

    Keep

  4. SBI Card ELITE credit card

    SBI Card ELITE

    ₹11,700 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  5. SBI Card PRIME credit card

    SBI Card PRIME

    ₹15,200 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 0.5%–5%

    Keep

  6. Flipkart SBI Card

    Flipkart SBI Card

    ₹8,500 a year, after fees

    ₹500 fee · Reward rate 1%–7.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  7. KrisFlyer SBI Card

    KrisFlyer SBI Card

    ₹8,600 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 1.1%–2.8%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  8. Tata Neu Plus SBI Card

    ₹8,500 a year, after fees

    ₹499 fee · Lounges in India · Reward rate 1%–7%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

19 more open to apply by value
  1. BPCL SBI Card OCTANE credit card

    BPCL SBI Card OCTANE

    ₹4,300 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.3%–6.3%

    Ranked higher: its bonus category adds ₹6,100 a year

    Keep

  2. SBI Card MILES PRIME credit card

    SBI Card MILES PRIME

    ₹4,600 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · 2.5% forex markup · Reward rate 1%–2%

    Ranked higher: its bonus category adds ₹1,100 a year

    Keep

  3. SimplyCLICK SBI Card

    ₹2,100 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹3,000 a year

    Keep

  4. BPCL SBI Card

    BPCL SBI Card

    ₹2,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–3.3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  5. SimplySAVE SBI Card

    ₹1,400 a year, after fees

    ₹499 fee · Reward rate 0.2%–1.7%

    Ranked higher: its bonus category adds ₹3,400 a year

    Keep

  6. SBI Card MILES ELITE credit card

    SBI Card MILES ELITE

    ₹2,600 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹2,200 a year

    Keep

  7. IRCTC SBI Card Premier credit card

    IRCTC SBI Card Premier

    ₹6,800 a year, after fees

    ₹1,499 fee · Reward rate 0.8%–10%

    Ranked lower: includes points worth full value only in one app

    Keep

  8. IRCTC SBI Platinum Card

    ₹6,800 a year, after fees

    ₹500 fee · Reward rate 0.8%–10%

    Ranked lower: includes points worth full value only in one app

    Keep

  9. Reliance SBI Card

    ₹2,100 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked lower: includes points worth full value only in one app

    Keep

  10. IndiGo SBI Card ELITE

    ₹11,100 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · Reward rate 1%–3.5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Downgrade

  11. Landmark Rewards SBI Card PRIME

    ₹6,200 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 0.5%–6.3%

    Ranked higher: its bonus category adds ₹6,200 a year

    Downgrade

  12. Apollo SBI Card SELECT

    ₹11,800 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.5%–9%

    Ranked lower: includes ₹8,000 in vouchers

    Downgrade

  13. Landmark Rewards SBI Card SELECT

    ₹5,700 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.5%–3.8%

    Ranked higher: its bonus category adds ₹3,500 a year

    Downgrade

  14. SBI Card MILES credit card

    SBI Card MILES

    ₹8,800 a year, after fees

    ₹1,499 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–1%

    Downgrade

  15. IndiGo SBI Card

    ₹7,300 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.5%–1.5%

    Ranked higher: its bonus category adds ₹1,100 a year

    Downgrade

  16. SBI Card PULSE

    ₹5,700 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹1,800 a year

    Downgrade

  17. Landmark Rewards SBI Card

    ₹3,600 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹2,400 a year

    Downgrade

  18. Reliance SBI Card PRIME

    ₹13,000 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 0.5%–5%

    Ranked lower: includes ₹8,800 in vouchers

    Downgrade

  19. Titan SBI Card

    ₹16,300 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 1.5%–7.5%

    Ranked lower: includes points worth full value only in one app

    Downgrade

Invite only 6

  1. PhonePe SBI Card PURPLE

    ₹11,500 a year, after fees

    ₹499 fee · Reward rate 1%–3%

    Keep Invite only

  2. PhonePe SBI Card SELECT BLACK

    ₹13,500 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 1%–10%

    Ranked higher: its bonus category adds ₹12,200 a year

    Downgrade Invite only

  3. SimplySAVE UPI SBI Card

    ₹1,400 a year, after fees

    ₹499 fee · Reward rate 0.2%–1.7%

    Ranked higher: its bonus category adds ₹3,400 a year

    Keep Invite only

  4. SBI AURUM

    ₹3,500 a year, after fees

    ₹9,999 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1%

    Ranked lower: includes ₹5,000 in vouchers

    Keep Invite only

  5. Krishak Unnati SBI Card

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Keep Invite only

Not confirmed on sale 14 cards
  1. Eternal SBI Card

    Eternal SBI Card

    ₹6,000 a year, after fees

    ₹499 fee · Reward rate 1%–10%

    Ranked higher: its bonus category adds ₹9,000 a year

    Keep

  2. Shaurya Select SBI Card

    ₹13,200 a year, after fees

    ₹0 joining + ₹1,499/yr · Lounges in India · Reward rate 0.5%–2.5%

    Keep

  3. Doctor's SBI Card

    ₹7,300 a year, after fees

    ₹1,499 fee · Lounges in India and abroad · Reward rate 0.3%–1.3%

    Keep

  4. Shaurya SBI Card

    ₹2,100 a year, after fees

    ₹250 fee · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep

  5. Google Pay Flex SBI Card

    ₹14,400 a year, after fees

    ₹499 fee · Reward rate 0.4%–1.6%

    Ranked lower: includes a promotional reward rate

    Keep

  6. SBI Card Unnati

    ₹2,100 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 0.3%

    Keep

  7. KVB SBI Signature Card

    ₹11,700 a year, after fees

    ₹4,999 fee · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Downgrade

  8. Paytm SBI Card SELECT

    ₹14,500 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 1%–5%

    Downgrade

  9. Paytm SBI Card

    ₹8,000 a year, after fees

    ₹499 fee · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade

  10. KVB SBI Platinum Card

    ₹7,200 a year, after fees

    ₹2,999 fee · Lounges in India · Reward rate 0.5%–2.5%

    Downgrade

  12. Apollo SBI Card

    ₹3,800 a year, after fees

    ₹499 fee · Reward rate 0.5%–2.7%

    Downgrade

  13. Delhi Metro SBI Card

    Not valued fee or rewards not published

    ₹499 fee

    Downgrade

Business cards 8 cards

  1. SBI Card Vyapaar Unnati

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Keep Invite only

Closed or paused 66 cards

  1. Air India SBI Signature Card

    ₹53,800 a year, after fees

    ₹4,999 fee · Lounges in India · Reward rate 4%–10%

    Keep Closed

  2. Air India SBI Platinum Card

    ₹30,600 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 2%–5%

    Keep Closed

  3. Club Vistara SBI Card PRIME

    ₹28,000 a year, after fees

    ₹2,999 joining · Lounges in India and abroad · Reward rate 2%

    Ranked lower: includes ₹10,000 in vouchers

    Keep Closed

  4. Club Vistara SBI Card

    ₹18,500 a year, after fees

    ₹1,499 joining · Lounges in India · Reward rate 1.5%

    Keep Closed

  5. SimplyCLICK Advantage SBI Card

    ₹2,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹3,000 a year

    Keep Closed

  6. SimplySAVE Advantage SBI Card

    ₹1,500 a year, after fees

    ₹499 fee · Reward rate 0.2%–1.7%

    Ranked higher: its bonus category adds ₹3,400 a year

    Keep Closed

  7. SBI Employee Card

    ₹1,800 a year, after fees

    ₹0 fee · Reward rate 0.2%

    Keep Closed

  8. SBI Card ELITE Advantage

    ₹12,000 a year, after fees

    ₹4,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Downgrade Closed

  9. SBI Card PRIME Advantage

    ₹15,500 a year, after fees

    ₹2,999 fee · Reward rate 0.5%–5%

    Downgrade Closed

  10. Etihad Guest SBI Premier Card

    ₹24,000 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · Reward rate 2%–6%

    Cancel Closed

  11. SBI Card ELITE Business

    ₹12,000 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹4,500 a year

    Cancel Closed

  12. SBI Advantage Signature Card

    ₹12,000 a year, after fees

    ₹4,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Cancel Closed

  13. SBI Signature Card

    ₹12,000 a year, after fees

    ₹4,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Cancel Closed

  14. Etihad Guest SBI Card

    ₹14,000 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 1%–3%

    Cancel Closed

  15. SBI Card PRIME Business

    ₹11,500 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · Reward rate 0.5%–2.5%

    Cancel Closed

  16. SBI Student Plus Advantage Card

    ₹2,300 a year, after fees

    ₹500 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹6,100 a year

    Cancel Closed

  17. SBI Maruti Card

    ₹7,200 a year, after fees

    ₹500 fee · Reward rate 0.8%–4%

    Cancel Closed

  18. SBI Railway Card

    ₹6,900 a year, after fees

    ₹500 joining + ₹300/yr · Reward rate 0.8%

    Cancel Closed

  19. Chennai Metro SBI Card

    ₹2,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Cancel Closed

  20. Mumbai Metro SBI Card

    ₹2,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–2.5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Cancel Closed

  21. SBI Platinum Card (2010)

    ₹4,500 a year, after fees

    ₹1,500 fee · Reward rate 0.5%–2%

    Ranked higher: its bonus category adds ₹1,400 a year

    Cancel Closed

  22. SpiceJet SBI Card

    ₹2,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–5%

    Ranked higher: its bonus category adds ₹3,400 a year

    Cancel Closed

  23. SBI Gold & More Card

    ₹3,000 a year, after fees

    ₹500 fee · Reward rate 0.3%–2%

    Ranked higher: its bonus category adds ₹2,700 a year

    Cancel Closed

  24. SBI Platinum Card (2007)

    ₹5,600 a year, after fees

    ₹0 fee · Reward rate 0.6%

    Cancel Closed

  25. SBI Platinum Card

    ₹1,500 a year, after fees

    ₹2,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Cancel Closed

  26. Federal Bank SBI Platinum Card

    ₹1,500 a year, after fees

    ₹2,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Cancel Closed

  27. SBI Advantage Platinum Card

    ₹1,500 a year, after fees

    ₹2,999 fee · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Cancel Closed

  28. SBI Apna Bazaar Card

    ₹2,900 a year, after fees

    ₹250 joining + ₹750/yr · Reward rate 0.4%

    Cancel Closed

  29. SBI Silver & More Card

    ₹2,300 a year, after fees

    ₹250 fee · Reward rate 0.3%

    Cancel Closed

  30. SBI Doctors Card

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.3%

    Cancel Closed

  32. SBI UBI Card

    ₹1,500 a year, after fees

    ₹250 joining + ₹750/yr · Reward rate 0.3%

    Cancel Closed

  33. SBI UBI Gold Card

    ₹1,500 a year, after fees

    ₹300 joining + ₹1,500/yr · Reward rate 0.3%

    Cancel Closed

  34. Hero Honda SBI Card

    ₹1,300 a year, after fees

    ₹250 joining + ₹500/yr · Reward rate 0.2%

    Cancel Closed

  35. SBI Advantage Card (pre-2009)

    ₹1,100 a year, after fees

    ₹250 joining + ₹750/yr · Reward rate 0.2%

    Cancel Closed

  36. SBI Mumbai Card

    ₹1,100 a year, after fees

    ₹250 joining + ₹750/yr · Reward rate 0.2%

    Cancel Closed

  37. SBI Gold Card (pre-2009)

    ₹300 a year, after fees

    ₹300 joining + ₹1,500/yr · Reward rate 0.2%

    Cancel Closed

  38. Yatra SBI Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  39. Fabindia SBI Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  40. Aditya Birla SBI Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  44. TATA Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  45. TATA Card SELECT

    Not valued fee or rewards not published

    ₹2,999 fee

    Cancel Closed

  46. TATA Croma Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  47. TATA Croma Card SELECT

    Not valued fee or rewards not published

    ₹2,999 fee

    Cancel Closed

  48. TATA Star Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  49. TATA Star Card SELECT

    Not valued fee or rewards not published

    ₹2,999 fee

    Cancel Closed

  50. IRCTC SBI Card

    Not valued fee or rewards not published

    ₹500 fee

    Cancel Closed

  53. FBB SBI StyleUp Card

    Not valued fee or rewards not published

    ₹499 fee

    Cancel Closed

  54. OLA Money SBI Card

    Not valued fee or rewards not published

    ₹0 joining + ₹499/yr

    Cancel Closed

  55. SBI Vishal Mega Mart Card

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%–2%

    Cancel Closed

  56. SBI Advantage Plus Card

    Not valued fee or rewards not published

    ₹1,000 in year one, then ₹500/yr

    Cancel Closed

  57. SBI Gold Card

    Not valued fee or rewards not published

    ₹299 fee

    Cancel Closed

  60. LG SBI Card

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.2%

    Cancel Closed

  61. SBI Social Card

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.2%

    Cancel Closed

  63. GoAir SBI Card

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  64. SBI Gold Master Card

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad · Reward rate 0.6%–1.3%

    Cancel Closed

  65. SBI Advantage Card

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  66. SBI Card for Doctors

    Not valued fee or rewards not published

    ₹250 joining + ₹750/yr

    Cancel Closed

Filter SBI Card cards by fee, lounges or forex

Standard charges

The charges SBI Card words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

SBI Card's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)Up to 3.75%/mo (45%/yr)High30 of 43
Late payment feeNil ≤₹100; ₹100 (₹101–500); ₹500 (₹501–1,000); ₹750 (₹1,001–10,000); ₹950 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (>₹50,000); +₹100 after two consecutive missed MADs22 of 41
Add-on card feeNilFree34 of 36
Over-limit fee2.5% of the overlimit amount or ₹600, whichever is higher; once per billing cycle22 of 41

Cards counts the SBI Card cards whose terms print this exact wording, out of those whose terms print the charge at all.

SBI Card in RBI's figures

Cards in force
2,29,57,917
18.5% of India's cards
Spent in August 2026
₹35,313 crore
60% of it online
Spend per card
₹15,382
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. RBI has no row for SBI Cards & Payment Services Ltd. Its portfolio is reported inside State Bank of India — an identification this site derives from the card count, not one RBI states. Every bank's figures

Sources

The SBI Card documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official SBI's MITC — the Tata Neu Infinity is named by name as a 1.99% foreign-currency card, and its ₹1,499 renewal is waived on ₹3 lakh of spend in the preceding year read
  2. Official MITC — ₹4,999 joining/renewal, waived at ₹10L preceding-year spend read
  3. Official Club Vistara SBI Card PRIME terms booklet — the renewal Premium Economy voucher is discontinued where the renewal fee falls after 31 March 2025, and the ₹2,999 is waived read
  4. Official Official IndiGo loyalty partner page — IndiGo SBI base and ELITE co-brand cards, fees, BluChip earn and welcome read
  5. Official Official SBI product page — ₹4,999 annual + ₹4,999 renewal, no spend waiver, 20,000 RP welcome on joining-fee payment, 4 RP/₹100 general, 10 RP/₹100 on Air India tickets read
  6. Official SBI Card Key Fact Statement — Shaurya sits in the 2.75% a month (33% a year) finance- charge band, not the 3.75% (45%) band the unsecured cards carry read
  7. Official SBI's own T&C for this card — ₹9,999 annual and ₹9,999 renewal, 10 KrisFlyer miles/₹200 on Singapore Airlines, 8/₹200 international, 6/₹200 on other spends, and the MCC exclusion table read
  8. Official The card's own e-kit — 10 / 5 / 1 Reward Points per ₹100, the UPI carve-out, the 5,000-point statement-cycle cap on dining and movies, and the closed-loop voucher redemption read
  9. Official The card's own T&C booklet — 15 / 10 / 2 Reward Points per ₹100, the closed-loop conversion into Landmark Rewards at 2.4 points per LMR, and the ₹99 fee on redemptions under 1,000 points read
  10. Official The card's own Terms & Conditions — 1 Reward Point per ₹125, up to 10% value back on AC classes with no monthly or annual cap, and the ₹500 fee that returns 500 points on renewal read
  11. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read